What You Need to Know

This is a mandatory enrollment for Cigna healthcare and Flexible Benefits. The School Board continues to offer the current Cigna healthcare plans (OAP High, OAP Standard, and SureFit) and Flexible Benefits. There are minor plan design changes to the OAP (High and Standard) healthcare plans. There are no plan design changes to the SureFit healthcare plan.

Cigna healthcare plans rates are not changing. However, if you experience a change in salary band, because of this year’s negotiations, you may have an increase in both employee and dependent healthcare deductions. There are no premium changes to the Flexible Benefits.

If you do not enroll during the enrollment period, the following will occur:

• Your and your dependent’s current Cigna healthcare coverage will terminate on December 31, 2022.
• If you are currently declining healthcare coverage, your opt-out election will terminate on December 31, 2022.
• If you are being deducted the spouse/domestic partner annual surcharge, the deductions will terminate December 31, 2022.
• You will be automatically auto-assigned to the Cigna SureFit healthcare plan, which will be the free Board-paid option for all full-time benefits eligible employees.
• Selection of a Primary Care Physician (PCP) is required at the time of enrollment. If a PCP is not selected, Cigna will assign you a participating provider based on your zip code.
• You must live in the tri-county (Miami-Dade, Broward and Palm Beach) service area.
• If you are currently enrolled in a Disability (STD buy-up and/or LTD) plan, those benefits will continue for the 2023 plan year.
• If you are currently enrolled in Flexible Benefits, those benefits will terminate on December 31, 2022.
• If you are currently enrolled in Medical FSA and/or Dependent Care FSA, those benefits will terminate on December 31, 2022.

For additional information, please contact the FBMC Service Center at 1-855-632-7748, Monday – Friday, 7 a.m. to 7 p.m.

The enrollment application will be available during the open enrollment period 24 hours/ 7 days a week. You must use Google Chrome web browser for the online enrollment application.

• The School Board continues to offer the current Cigna healthcare plans (OAP High, OAP Standard, and SureFit).
  • There are minor plan design changes to the OAP (High and Standard) healthcare plans.
  • There are no plan design changes to the SureFit healthcare plan.
• Cigna healthcare plans rates are not changing. However, if you experience a change in salary band, because of this year’s negotiations, you may have an increase in both employee and dependent healthcare deductions.
• The Cigna SureFit plan will be the free option (employee-only) for full-time benefits eligible employees.
  • Selection of a Primary Care Physician (PCP) is required at the time of enrollment. If a PCP is not selected, Cigna will assign you a participating provider based on your zip code.
  • You must live in the tri-county (Miami-Dade, Broward and Palm Beach) service area.
• Dependent premiums for healthcare will continue to be subsidized for employees who are eligible for Board-paid benefits.

• If you enroll a dependent(s) in your benefits, the Social Security Number is required during the enrollment process for each dependent. You must submit dependent eligibility documentation (i.e., marriage certificate for spouse, birth certificate for natural children), for all covered dependents, upon request. If you do not provide the required documentation, coverage will be terminated.
• You and your dependent(s) must be enrolled in the same healthcare and flexible benefits plans.
• If you cover your spouse/domestic partner on your healthcare plan and your spouse/domestic partner has coverage available from his/her own employer, an additional annual surcharge of $800 will be charged. The annual surcharge will be billed on a biweekly basis according to your pay schedule. If your spouse/domestic partner does not have an employer sponsored healthcare plan available to him/her, please make sure to select the appropriate response on the online enrollment application and the spousal/domestic surcharge will not be applied.

Benefits Salary (annual base salary as of June 30 each year) determines:

• Your salary band and the Board Contribution to your and your dependents’ healthcare cost.
• Board-paid life insurance amount.
• Disability benefit, which is a percentage of your benefit base salary.
• Benefits Salaries being used for the current Open Enrollment is your employee annual salary as of June 30, 2021.

• Full-time benefits eligible employees will continue to be provided Board-paid Standard Short-Term Disability (STD) coverage.
• The School Board provides a Term Life & Accidental Death and Dismemberment (AD&D) program with Metropolitan Life Insurance Company for all full-time employees. The coverage amount is either one or two times your annual base salary rounded up to the next $1,000.00. Administrators and Confidential Exempt Personnel received two times the annual base salary.  All other employees receive one times their annual base salary. The minimum benefit for employees represented by AFSCME is $10,000. Additional life insurance may be purchased through payroll deductions to bring maximum benefits to an additional, one times the amount provided by the School Board. Employees are eligible to increase the life insurance amount to a maximum of five times the annual base salary after the first year of participation in the optional life program. Evidence of Insurability will be required for any increases in coverage. To find out more about Board-paid Term Life and AD&D, contact the MetLife representative at 305.992.7029.